1 2 Sask Sport Requirements As a Member

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2 Sask Sport Requirements As a Member of Sask Sport SSA must carry insurance which adequately protects the volunteers, employees and the organization against crippling tort action in the following areas and amounts: Ø Comprehensive liability - third party coverage in the amount of at least two million dollars. (SSA $10, 000) Ø Ø Participants liability - second party coverage in the amount of at least two million dollars. (SSA $10, 000) Ø Directors and officers liability including wrongful dismissal in the amount of at least one million dollars. (SSA $5, 000)

SSA Insurance Coverage

4 All Sport Liability Insurance Policy AL 4440 General Liability Each Occurrence limit $10, 000 Ø Medical Expense coverage – any one person $1, 000 Ø Errors & Omissions Liability (Directors & Officers, Wrongful Acts) - $5, 000 Ø Non owned automobile liability limit - $10, 000 Ø

5 General Liability Insurance Ø Ø Ø Coverage designed to protect against lawsuits from Third Parties alleging that the sports organization and/or its members have negligently caused "bodily injury" to a player or spectator. Policy also covers other types of lawsuits such as "property damage", "personal injury" (libel & slander) and Non Owned Automobile liability. Activities not covered; Ø Ø Ø Non SSA sanctioned activities BEER GARDENS – additional coverage IS REQUIRED Higher risk fundraising activities involving amusement devices, animals, or motor sports Events involving fireworks Bubble Soccer

Directors & Officers Liability Provides coverage for compensatory damages because of a “wrongful act” arising out of your operations Ø Definition of a wrongful act includes; any actual or alleged error, misstatement, or misleading statement by an insured Ø Any actual or alleged act, omission, neglect or breach of duty by an insured Ø Claims Example Ø

7 Non-Owned and Hired Automobile Liability Insurance to indemnify the Insured against the liability imposed by law upon the Insured for loss or damage arising from the use or operation of any automobile not owned in whole or in part by or licensed in the name of the Insured, and resulting from Bodily Injury to or the Death of any person or damage to property of others not in the care, custody or control of the Insured subject to policy exclusions Additional Insureds – Every partner, officer or employee of the Insured Territory – within Canada or the United States of America Excludes automobiles hired or leased from others over 30 days

Industrial Alliance Accident Insurance Policy 100011346 When does this coverage respond? Ø Ø Ø When accidental bodily injury results in a covered loss Insured Persons – Youth players, adult players, coaches, managers and officials of the Policyholder Principal Sum - $25, 000, benefit amounts as outlined on policy Aggregate limit - $1, 000 any one accident Coverage responds as "excess” Ø Ø Requires all other collectable insurance (such as parent's health insurance) to respond first. $0 Deductible to injured participant for a claim made under this policy

Industrial Alliance Out of Country Medical Insurance Policy 100011347 Ø Ø Insured Persons – Youth players, adult players, coaches, managers and officials of the Policyholder under the age of 70 who are Canadian residents covered under the health insurance plan of their province of Residence $2, 000 lifetime maximum limit per Insured Person, subject to specific limits as outlined in policy Pre-existing conditions are not covered except as outlined in policy No coverage for any person outside Canada in excess of 45 days Amounts payable are excess of any amounts available or collectable by basic health services of the province of residence and will be coordinated if coverage available through another plan of insurance as per CLHIA guidelines